Replacing the hard drive itself would probably be pretty cheap (I recommend an SSD, costs more for less storage but the speed makes laptops feel better than new), backing up and moving over the data would probably cost more since it'd be more time consuming.
Take the warning seriously though, back it up ASAP.
And anyone who doesn't have a backup for their critical data, imagine your hard drive failed and all contents were lost right... NOW. If you can't handle that, wtf are you reading this thread for you need to go set up a good backup system!
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Uncertainty is an uncomfortable position.
But certainty is an absurd one.
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